Executive Summary

Gene Ross is President of LoanCare, a division of FNF Servicing, Inc.  A Certified Public Accountant, Gene has over 30 years in the banking and financial services sectors, most notably the president of four federally-chartered thrift savings banks.

Ralph Carrigan is the Chief Operating Officer of LoanCare.  Ralph has over 30 years of servicing experience in various executive management roles at iServe Servicing, Suntrust Mortgage, Barclays America Mortgage and AmSouth Mortgage.

Kim Bigham is the Senior Vice President and Loan Administration Servicing Manager. Kim has been with LoanCare for twelve years.  She has twenty years of mortgage servicing experience having previously worked on the west coast with Kitsap Bank and National Bank of Bremerton.

In summary, senior managers are highly experienced with an average of over twenty-five years in industry experience, including an average of more than ten years with LoanCare.  Middle managers and supervisors average fifteen years experience including five years with LoanCare.